§12A-4-405.

§12A-4-405.
   
                     DEATH OR INCOMPETENCE OF CUSTOMER
                                      
   (a) A payor or collecting bank's authority to accept, pay, or collect
   an item or to account for proceeds of its collection, if otherwise
   effective, is not rendered ineffective by incompetence of a customer
   of either bank existing at the time the item is issued or its
   collection is undertaken if the bank does not know of an adjudication
   of incompetence. Neither death nor incompetence of a customer revokes
   the authority to accept, pay, collect, or account until the bank knows
   of the fact of death or of an adjudication of incompetence and has
   reasonable opportunity to act on it.
   
   (b) Even with knowledge, a bank may for ten (10) days after the date
   of death pay or certify checks drawn on or before that date unless
   ordered to stop payment by a person claiming an interest in the
   account.